Expertise.com
2024

Last updated:

Best Mortgage Brokers in Citrus Heights

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Citrus Heights Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

32

Reviewed

23

Curated

11

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
7806 Uplands Way, Citrus Heights, CA 95610
  • Reverse Mortgages
  • Refinance

Why choose this provider?

Family First Mortgage Group (FFMG) is a residential broker that lists the Citrus Heights metro as one of its service areas. Its lending officers match first-time homebuyers and seasoned investors to financing products such as FHA, USDA, and VA loans and specialty programs. Equipped with industry knowledge, they aim to deliver a fresh perspective on clients' individual financial situations to assist in the decision-making process. FFMG was established in 2014 and is included in United Wholesale Mortgage's Top 1% Lender in California.

License Verified:

License: 390962

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.8 / 5 (23)
Zillow
5.0 / 5 (5)
Google
4.0 / 5 (4)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5530 Birdcage Street Suite 110, Citrus Heights, CA 95610
  • Refinance

Why choose this provider?

Coastal Pacific Mortgage provides solutions for the homeownership goals of individuals and families in Citrus Heights. The company helps buyers apply for home financing programs such as reverse mortgages, ARMs, FRMs, and jumbo, construction, and down payment assistance loans. It also provides financing solutions for foreign nationals, self-employed borrowers, real estate investors, refinancing borrowers, and first-time home buyers. Coastal Pacific Mortgage has been in business since 1998 and also offers ALHFA, USDA, and FHA programs.

License Verified:

License: 1477

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3000 Lava Ridge Ct #220, Roseville, CA 95661
  • New Construction

Why choose this provider?

Billwolfeloans.com caters to the people of Citrus Heights. Its principal mortgage expert, Bill Wolfe, helps individuals and families acquire residential real estate like condo units, townhomes, and investment properties by offering various loan products. These include conventional, USDA, VA, FHA, and HARP loans. Bill also collaborates with other professionals such as attorneys, real estate agents, and tax planners to meet his clients' needs. He has been a licensed mortgage planner for more than two decades.

License Verified:

License: 220504

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (63)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
9323 Laguna Springs Dr Ste 110, Elk Grove, CA 95758
  • Refinance

Why choose this provider?

Anew Lending caters to both homeowners and buyers in the Citrus Heights metro. It offers loan products for various needs, including adjustable- and fixed-rate, Jumbo, VA, FHA, and streamline refinancing loans. Its loan officers guide each client throughout the process, from pre-approval application to loan closing. Anew Lending is both a mortgage lender and broker, giving people access to a wide selection of loan rates and terms. It is a member of the California Mortgage Association.

License Verified:

License: 1690722

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (25)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2220 Douglas Blvd, Ste 220, Roseville, CA 95661
  • New Construction
  • Refinance

Why choose this provider?

JJ Mack Team is a small, local mortgage lending company that serves clients in Citrus Heights. It offers different loan options for clients ready to purchase properties or refinance existing homes. Customers may choose from fixed-rate, adjustable-rate, and interest-only mortgages. Its loan programs include jumbo, FHA, VA, and USDA. It also provides reverse mortgages for seniors aged 62 or older. JJ Mack Team is affiliated with American Pacific Mortgage. Its branch manager, JJ, has been working in the industry since 2005.

License Verified:

License: 1299922

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5890 S Land Park Dr, Sacramento, CA 95822
  • Multi-Family Loans

Why choose this provider?

Green Haven Capital Inc. is a mortgage company that serves the needs of borrowers in Citrus Heights and nearby areas. It offers FHA, VA, conventional, jumbo, and USDA loans. It also provides down payment assistance, non-QM mortgages, and refinance programs. The business works with multiple lenders to secure a wide range of options for its clients. Green Haven Capital started in 2008 in Sacramento and employs a team with over 40 years of combined experience.

License Verified:

License: 173062

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Zillow
5.0 / 5 (235)
Google
5.0 / 5 (217)
Yelp
5.0 / 5 (105)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4940 Pacific Street, Rocklin, CA 95677
  • New Construction

Why choose this provider?

MAE Capital Real Estate and Loan caters to the lending needs of clients based in and around Citrus Heights. It helps individuals seeking to purchase residential properties. It offers various programs such as FHA, VA, USDA, jumbo, conventional, and investment loan options. It also works with homebuyers looking to obtain reverse mortgages. In addition, its team provides financial assistance for refinancing, commercial funding, and private lending processes. The business has been operating for over three decades.

License Verified:

License: 806170

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.6 / 5 (9)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5751 Sunrise Blvd, Citrus Heights, CA 95610
  • Commercial Loans

Why choose this provider?

Residential Home Loans offers its solutions to people in Citrus Heights and the surrounding areas. It evaluates the customer's credit score and finds a loan program that meets their financial needs. Its team offers down payment assistance programs, helping clients qualify for home financing. The company guides first-time buyers and seasoned investors throughout the homebuying process, assisting them in getting pre-approved and checking their loan options. It also submits offers on clients' behalf during contract negotiations.

License Verified:

License: 1964366

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Facebook
3.7 / 5 (44)
Yelp
5.0 / 5 (9)
Google
3.5 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
5750 Sunrise Blvd #130-A, Citrus Heights, CA 95610
  • Refinance

Why choose this provider?

Brian Terrill Lending Company is a brokerage firm that caters to individuals and families in Citrus Heights and the neighboring areas. It offers a variety of mortgage programs, such as FHA, VA, USDA, non-QM, and jumbo loans. It customizes reverse mortgages with annual or monthly adjustable- or fixed-rate options. The agency provides other loan types for borrowers who are seeking to purchase homes, land, and investment properties. It also carries second mortgage products and business loans.

License Verified:

License: 1829257

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (13)
Google
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
408 Sunrise Ave #7, Roseville, CA 95661
  • Refinance

Why choose this provider?

Kat Fiorentino is a mortgage broker under Financial Solutions Management who serves the people of Citrus Heights. She assists prospective home buyers in understanding their options and navigating the financing process for the home of their dreams. The types of programs being offered include fixed-rate, FHA, VA, USDA, and jumbo loans. She also assists homeowners in refinancing their residential properties to pay lower interest rates. Kat Fiorentino has been in the financial services industry since 1988.

License Verified:

License: 230274

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Zillow
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Sacramento, CA 95816
  • Refinance

Why choose this provider?

Chris Carter has been serving clients throughout Citrus Heights for over two years. He works with Edge Home Finance Corporation to deliver various mortgage products to aspiring homeowners. These include VA, FHA, and USDA loans, as well as super and jumbo programs. Carter offers online tools like payment calculators to help first-time homebuyers or real estate investors with decision-making. He also addresses the concerns of homeowners aiming to refinance their loans. Carter has been in the industry for over two decades.

License Verified:

License: 619947

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.